Do you have any investment properties, a portfolio or looking to start?

Buy to let properties are a fantastic investment, they can provide an additional income stream and capital growth too.

However Buy to let mortgages have become exceptionally complex, you need the right advice when looking to invest your money or wealth into property. Watt Mortgage? are experts in all things Buy to Let, so you have come to the right place. 

We can help guide you through all the important aspects to know and to think about, for example what rental yields are considered and required by the mortgage lenders.

We aim to make the whole process easy and simple. As a company we understand the dynamics of buy to let’s, we can highlight when you may need to think about additional advice around possible taxes, although unable to give tax advice we can spot areas of consideration and advise you when you need to speak to a tax specialist. Our advisers have buy to let properties so can relate to the situation and give personal examples of advice too!

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE MOST BUY TO LET MORTGAGES.

Who can we help?

• Buy to let

• Limited company Buy to let

• Let to buy Mortgages (keeping your current property and converting to a rental, then moving to a new home)

Finding you the best deal

We will work with you and can even work with your accountant/tax specialist to get the most accurate information we need, this will allow us to work out which lender is the most appropriate to approach for a mortgage and advise what type of buy to let mortgage you require.

Some examples:

For individuals who are basic rate tax payers, there can be huge benefits to having this in personal name compared to having in a company name. The difference in borrowing capacity can be significant depending on which lender you speak to based on your income and tax rate.

For higher rate tax payers there can be huge benefits of having properties in limited company ownership. There can be more flexible lending amounts on a limited company basis, but your tax advisor can confirm if this would work out favourably for you.

Please get in touch and book a free no obligation consultation!

Our initial mortgage consultation is free. Watt Mortgage? usually charges a fee for applications. The amount we will charge is dependent on the amount of research and administration required and will be discussed and agreed with you at the earliest opportunity.

Get in touch to find out how we can help you…

Fill out the form below or give us a call on:

0208 037 7667